List of all fees for VoltCash Prepaid Mastercard® - Fee Schedule Pay As You Monthly Plan All Fees Go Plan Details Amount Amount Get Started Card purchase $0.00 $0.00 You will not be charged a fee by us for purchasing the Card. Activation $0.00 $0.00 You will not be charged a fee for activating the Card. Monthly Usage Monthly fee $7.95 $0.00 Under the Monthly Maintenance Plan - The Monthly fee is assessed every month, beginning the first month following your Card activation date. Fee as it appears on statement: SVC CHG-MONTHLY Under the Pay As You Go Plan - You will not be charged a monthly fee. Add Money Cash reload $3.95 $3.95 This fee is paid when load cash to your Card at a VoltCash agent location. Locations may be found at voltcash.com/#Locations. Fee as it appears on statement: REMOVE FUNDS Cash Load Fee Check reload Up to 2% per Up to 2% per This fee is paid when load a check to your Card at a VoltCash agent location. Locations may be found at voltcash.com/#Locations. check, check, Fee as it appears on statement: REMOVE FUNDS Check Load Fee minimum of minimum of $3.95 $3.95 Transfer Money Card to card $2.50 $2.50 Each time you transfer funds from your Card to another VoltCash Cardholder. transfer Fee as it appears on statement: SVC CHG CRD XFR DR Spend Money Signature $0.00 $1.00 Under the Monthly Maintenance Plan – You will not be charged a Signature purchase fee. purchase Under the Pay As You Go Plan – Each time you make a successful point-of-sale purchase within the United States or U.S. Territories by selecting “credit”. This may or may not involve you signing a receipt for the purchase. The combined Signature Purchase and PIN Purchase transaction fees (both domestic and international) will be capped at a maximum of $8.00 each billing cycle. NOTE: Description on statement will not differentiate between US or International use and fee will vary based on your use. Fee as it appears on statement: SVC CHG NO PIN TRAN PIN purchase $0.00 $1.00 Under the Monthly Maintenance Plan – You will not be charged a PIN purchase fee. Under the Pay As You Go Plan – Each time you make a successful point-of-sale purchase within the United States or U.S. Territories by selecting “debit” and entering your Personal Identification Number (“PIN”) or if your purchase is submitted by the merchant through a PIN debit network without requiring a PIN. The combined Signature Purchase and PIN Purchase transaction fees (both domestic and international) will be capped at a maximum of $8.00 each billing cycle. NOTE: Description on statement will not differentiate between US or International use and fee will vary based on your use. Fee as it appears on statement: SVC CHG PIN TRAN Get Cash ATM $0.00 $0.00 “In-network” refers to the MoneyPass ATM Network. Locations can be found at www.moneypass.com. withdrawal (in- network) ATM $2.50 $2.50 “Out-of-network” refers to all the ATMs outside of the MoneyPass ATM Network. This is our fee assessed each time you withdraw withdrawal cash from an ATM within the United States and U.S. Territories unless it displays the MoneyPass logo. You may also be charged an (out-of- additional fee by the out-of-network ATM operator or network, even if you do not complete a transaction. You can withdraw cash at network) no charge by using an ATM displaying the MoneyPass logo. NOTE: Description on statement will not differentiate between US or International use and fee will vary based on your use. Fee as it appears on statement: SVC CHG ATM WITHDRAW ATM decline $1.00 $1.00 Each time an ATM cash withdrawal request within the United States and U.S. Territories is declined for insufficient funds or exceeding the Card’s limits. You can review your balance online or by calling customer service prior to attempting an ATM withdrawal and ensure the withdrawal amount ( any additional fees) does not exceed your Card balance. NOTE: Description on statement will not differentiate between US or International use and fee will vary based on your use. Fee as it appears on statement: SVC CHG NSF ATM Bank teller $2.50 $2.50 Each time you request a cash withdrawal from a bank teller at a financial institution. You may withdraw cash at no charge by using withdrawal an ATM displaying the MoneyPass ATM Network logo. Fee as it appears on statement: SVC CHG CASH ADV Information Customer $0.00 $0.00 No fee for calling our customer service line, including for balance inquiries. service (automated or live agent) ATM balance $0.00 $0.00 “In-network” refers to the MoneyPass ATM Network. Locations can be found at www.moneypass.com. inquiry (in- network) ATM balance $1.00 $1.00 Out-of-network” refers to all the ATMs outside of the MoneyPass ATM Network. This is our fee that is charged each time you request inquiry (out-of- your Card balance using an ATM within the United States and U.S. Territories unless it displays the MoneyPass logo, regardless of network) whether you also conduct a cash withdrawal. You may also be changed a fee by the out-of-network ATM operator or the network. To find a MoneyPass ATM, go to www.moneypass.com. You may track your Card balance at no charge online or by calling customer service. NOTE: Description on statement will not differentiate between US or International use and fee will vary based on your use. Fee as it appears on statement: SVC CHG BALANCE INQ Using your card outside the U.S. International 2.5% of total 2.5% of total Of the U.S. dollar amount of each transaction each time you obtain funds or make a purchase in a currency other than U.S. dollars transaction transaction in transaction in (USD) or outside the United States and U.S. Territories. When assessed, this fee will be a minimum of one cent ($0.01). USD USD Fee as it appears on statement: SVC CHG INTRNTL TRAN International $0.00 $1.00 Under the Monthly Maintenance Plan – You will not be charged an International signature purchase fee. signature Under the Pay As You Go Plan – Each time you attempt a point-of-sale purchase outside of the United States or U.S. Territories by purchase selecting “credit” and the transaction is successful. This may or may not involve you signing a receipt for the purchase. Transactions made outside of the 50 United States and the District of Columbia are also subject to this conversion fee even if they are completed in U.S. currency. The combined Signature Purchase and PIN Purchase transaction fees (both domestic and international) will be capped at a maximum of $8.00 each billing cycle. NOTE: Description on statement will not differentiate between US or International use and fee will vary based on your use. Fee as it appears on statement: SVC CHG NO PIN TRAN International $0.00 $1.00 Under the Monthly Maintenance Plan – You will not be charged an International PIN purchase fee. PIN purchase Under the Pay As You Go Plan – Each time you make a point-of-sale purchase outside of United States or U.S. Territories by selecting “debit” and entering your Personal Identification Number (“PIN”). Transactions made outside of the 50 United States and the District of Columbia are also subject to this conversion fee even if they are completed in U.S. currency. You can make a signature purchase at no charge by selecting "credit" at checkout and signing for your purchase (if required by the merchant). The combined Signature Purchase and PIN Purchase transaction fees (both domestic and international) will be capped at a maximum of $8.00 each billing cycle. NOTE: Description on statement will not differentiate between US or International use and fee will vary based on your use. Fee as it appears on statement: SVC CHG PIN TRAN International $5.00 $5.00 This is our fee each time you withdraw cash from an ATM outside of the United States and U.S. Territories. You may also be charged ATM a fee by the ATM operator or the network used to complete the transaction. Transactions made outside of the 50 United States and withdrawal the District of Columbia are also subject to the conversion fee even if they are completed in U.S. currency. NOTE: Description on statement will not differentiate between US or International use and fee will vary based on your use. Fee as it appears on statement: SVC CHG ATM WITHDRAW International $1.00 $1.00 Each time an ATM cash withdrawal request outside the United States and U.S. Territories is declined for insufficient funds or ATM decline exceeding the Card’s limits. Review your balance online, on your mobile app, or call customer service prior to attempting an ATM withdrawal and ensure the withdrawal amount (plus any additional fees) does not exceed your Card balance. NOTE: Description on statement will not differentiate between US or International use and fee will vary based on your use. Fee as it appears on statement: SVC CHG NSF ATM International $2.00 $2.00 This is our fee which is charged each time you request your Card balance using an ATM outside of the United States and U.S. ATM balance Territories regardless of whether you also conduct a cash withdrawal. You may also be charged a fee by the ATM operator or the inquiry network used to complete the transaction. You may track your Card balance at no charge via the mobile app, online, or call customer service. Standard message and data rates from your wireless service provider may apply. NOTE: Description on statement will not differentiate between US or International use and fee will vary based on your use. Fee as it appears on statement: SVC CHG BALANCE INQ Replacing you card Card $10.00 $10.00 Each time you request this service if the replacement Card is requested prior to Card expiration date. replacement Fee as it appears on statement: SVC CHG REPLACE CARD Expedited $20.00 $20.00 Expedited shipping of your replacement Card is available upon request at an additional cost. The Card Replacement Fee will also card delivery be charged. Fee as it appears on statement: SVC CHG EXPED CARD Additional Card Services Check $10.00 $10.00 Each time a check is issued to refund the balance of the Card after a Card closure. Fee will not be assessed if no check is issued. issuance upon Fee as it appears on statement: DR ADJ CRD CLOSE FEE closure Other Inactivity $3.95 $3.95 If you do not use your Card to initiate a purchase, cash withdrawal or load transaction for more than twelve (12) months, the fee will be assessed monthly thereafter until you conduct a transaction or your balance is depleted to zero. Continue to use your Card at least once every twelve (12) months or close your Card and we will refund your balance by check. The Check Issuance Upon Closure Fee will apply. Fee as it appears on statement: SVC CHG-MONTHLY Potential Third Party Fees Retail cash May Vary – May Vary – Up Third party reload networks (e.g. GreenDot®) may assess a fee for each load that is collected at the time of the cash load. This is not load Up to $4.95 to $4.95 our fee and is subject to change. Be sure to ask about the cost before conducting the load. For example, a fee of up to $4.95 may apply when loading cash through Green Dot. Go to greendot.com. This information was accurate as of 3/14/2019. Avoid this fee by setting up direct deposit or sending funds via ACH to your Card. ATM May Vary May Vary Third party ATM operators may charge a fee each time you withdraw funds or check your balance at a non-MoneyPass ATM. You surcharge man withdraw cash at no charge by using an ATM displaying the MoneyPass logo. To find a MoneyPass ATM, go to www.moneypass.com. Card network May Vary May Vary The Card Network for your Card (e.g. Visa®, Mastercard®, or Discover®) may assess a fee for currency conversion if you make a international transaction in a currency other than the currency in which your Card Account was issued. This fee is a percentage of the amount of currency the transaction. conversion

Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to Central Bank of Kansas City, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Central Bank of Kansas City fails, if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

Contact Central Bank of Kansas City by calling 1-866-203-8726, by mail at PO Box 124, Dell Rapids, SD 57022, or visit voltcash.com. If live agents are unavailable, you will be able to receive most account information by following the automated prompts, or by logging into your account online or on our mobile app.

For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

The VoltCash Prepaid Mastercard® is issued by Central Bank of Kansas City, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. Consult your Cardholder Agreement and the fee schedule for fees, terms, and conditions associated with the approval, maintenance, and use of the Card. The Mastercard card may be used everywhere is accepted. Restrictions apply, see Cardholder Agreement for details.

Last updated: 4/1/2019 – CS1559CBKC